Luma – Cookie Policy

Our website uses cookies. A cookie is a small file of letters and numbers that we put on your computer if you agree. These cookies allow us to distinguish you from other users of our website, which helps us to provide you with a good experience when you browse our website and also allows us to improve our site.

Cookies explained

Cookies are small text files, downloaded from websites to your computer or smartphone as you browse and use the Internet. There are two main types of cookie:

A session cookie only exists for the duration of your visit to a website. They recognise your computer or smartphone as you move between pages. These cookies can be used, for example, to maintain secure logins.

A persistent cookie stays on your device for a set period of time and can be used, for example, to remember you when you next visit the website.

The source of each cookie also varies. Some cookies are owned and created by the website you are viewing (‘first-party’ cookies), but others are supplied by an independent company (‘third-party’ cookies).

None of the cookies used on our site store personally identifiable information.

We use both our own (first party) and partner companies’ (third party) cookies to support these activities.

When referring to cookies, this also includes similar online tracking devices such as web beacons and flash cookies that we may use.

Some cookies are essential for our website to work correctly. For example, our session cookie remembers your journey through our site so you get the right information and application about the products that interest you. If you disable all cookies through your browser settings, then certain parts of this site will no longer work.

The cookies we use

The types of cookies which we use are:

System cookies: Cookies that are generated by our servers. These cookies are essential for our systems to operate and they are all session cookies. These types of cookies wouldn’t be blocked even if you set your browser not to accept cookies.

Our cookies: Cookies that we place on your computer to ensure our website works correctly and to offer you the best experience possible and our entire range of online services.

Third-party cookies: These are cookies that we place on your computer on behalf of our partners. We use these cookies to tracking revenue from our suppliers, analytics to improve our site, and advertising targeting. Accepting these cookies will enable our site to properly function.

What the cookies we use do

Our website uses both session and persistent cookies to:

Gather information about how customers use our website, including which pages they visit and which parts they click on;

Test new content and evaluate its effectiveness;

Temporarily store data as part for example, of customer surveys;

Identify user behaviour for marketing purposes e.g. to enable advertisers to show you adverts that are relevant to you (also known as targeted [behavioural] advertising).

We may partner with third parties to deliver advertisements and surveys and to monitor activities on our own websites and other websites. Our display advertisements and text links contain small graphics with unique codes and use cookies to perform tracking and reporting activities. These unique codes are not personally identifiable and work in conjunction with the cookies.

Our partners may use cookies, Web beacons or other online tracking devices to deliver advertisements they believe may be of interest to you, based on information about your visits to this and other websites and to compile statistics about website visitors. These third parties are subject to their own privacy policies, which may be different from ours.

Managing Cookies

You can enable or disable cookies on your smartphone and/or internet browser. Please check the instructions or preference settings to do so. You can also find useful guidance and information on how to manage your cookies at allaboutcookies.org.

If you choose, you can set your browser to inform you when cookies are sent or you may choose not to accept cookies. If you haven’t done this we will, and our third party partners may, issue cookies when you visit the site.

Credit is available subject to status and conditions. If you have applied for a Luma or Capital One card in the last 6 months your application may be declined. If you already have a Luma card or if you are not a UK resident please do not apply.